I'm in love with a 1968 yacht moored in Seattle. I never thought that I could have any sort of waterfront property... and then this boat came along. I can afford it, and I'd be perfectly happy just to keep in moored and live on it.

The problem is that I've never owned or operated a large boat before. And as soon as I mention that to insurance companies, they hang up on me. I have told them that I wouldn't be driving it around; I wouldn't mind a restricted use; I could get a captain if want to move it, etc... but no dice. The age of the boat, or the fact that I don't have experience has been disqualified me from numerous insurance agencies.

Please let me know if you have any suggestions for getting this boat under a policy so that I can start living on it.

If not, and you are serious about getting the boat....call up Christine at Hartge Insurance, in Annapolis, MD, and ask her about what options you have for insurance. She represents a few different marine/yatch policy companies, and can probably find a policy that will cover you.

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Telstar 28
New England

You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.

—Cpt. Mal Reynolds, Serenity (edited)

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Eagle...Not really...BUT...most liveaboards travel over a wide area and coverage for broad nav areas IS more expensive....how much more depends on how far you're going AND the likelihood of a claim...i.e.hurricanes, theft, ocean passages etc.

Liveaboard rates are generally higher, as the boat is in use more, and the insurance also generally has to include your "household" liability, which isn't the case in non-liveaboards. A good example of "household" liability is if your dog bites someone....this isn't generally covered under a standard yatch policy, but would generally be covered under a liveaboard policy. YMMV.

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Telstar 28
New England

You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.

—Cpt. Mal Reynolds, Serenity (edited)

If you're new to the Sailnet Forums... please read this To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts..

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